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Erudio Claimform - Old Student Loans - poss Statute Barred.


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in a way its a std letter drydens send to everyone erudio have previously raised speculative court claims against whereby they think people are mugs and will panic and cough up. plenty of exactly the same letter here in other erudio claimform threads to read.

 

what concerns me about yours is they have blatantly split the CCA £1 fee as payment against the various old SLC loan that were all already statute barred befoe they issued the claimform and have thus as with all the others allowed the claim to get stayed.

 

they are probably hoping you've moved and won't see it so feel safe in issuing a N244, which you will ofcourse get notification of so don't worry..ignore them.

 

how low can these vermin go to fleece people!!!

 

dx

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX100UK, I shall keep this thread updated as and when I hear.

What's even more strange is that I've checked and Erudio returned my £1 postal order - although it does look from the writing on the back that they had previously allocated it to a suspense account with my reference number on.  

Without being sure I can only assume that they allocated it to a suspense account and then decided to apply it to my SLC accounts even though they'd returned the PO to me.

 

Edited by Nurselayer

Nurselayer v Natwest - Settled in Full :D

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thats weird.. i will guess they used erudio's  'mass' ref number', then split it over the old SLC loand that are obv part of that...but returned it as well.. you could always check with the PO to see if it was cashed?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 10 months later...

open.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 months later...

Hello everyone,

I have today received a Notice of Transfer of Proceedings. Drydens have issued a N244 saying that "The Defendant's defence does not raise any grounds with resonable prospects of successfully defending the claim and there is no good reason why the matter should be disposed of at trial.

They are arguing that BMW Financial Services v Hart means that limitation doesn't commence until 22/6/2016 when they issued a Termination notice and that Doyle v PRA states that limitation is not triggered until they issued a Default Notice (which they are saying was 24 May 2016.)

Interestingly they have also included a reconstituted Notice of Assignment as evidence.  I have previously stated that I never received a Notice of Assignment and I think that the fact that they are saying that this is reconstituted means that they never sent the original.

I'm about to read the rules on how to post files and once I've redacted them etc I'll put them up on here.

 

 

Can anyone point me to the thread that tells me how I should upload documents on here please? I can't find it.

 

Nurselayer v Natwest - Settled in Full :D

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Click upload..one mass pdf only.

 

They've tried hart/doyle before and lost.

Hart doesnt apply as it was for a business car hp if remember rightly and doyle can be argued easily as a 'creditor' cant be allowed to extend the statute of limitations to infinity by issuing a default notice years after last acknowledgement/payment.  They are probably hoping youve moved and will no get anything and win by default.

 

Surprised they are trying this to be honest.

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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31 minutes ago, Nurselayer said:

Hello everyone,

I have today received a Notice of Transfer of Proceedings. Drydens have issued a N244 saying that "The Defendant's defence does not raise any grounds with reasonable prospects of successfully defending the claim and there is no good reason why the matter should be disposed of at trial.
 

 

 

 

 

 

But what Order are they requesting from the court ? Lift the stay or lift the stay strike out the defence and apply Summary Judgment ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Okay if you could include a copy of the N244 and supporting statement in your uploads.....suitably redacted please.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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almost identical to patterns thread.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've been reading Patterns thread with interest.

So, how do I stop them from getting a Summary Judgement? I've had nothing from the court yet.  When the court sends me something, how long will I have to submit my defence? (I believe I need to make sure the claimant and the courts have it at least 7 days before hearing.)

Nurselayer v Natwest - Settled in Full :D

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If you hadn't redacted the dates on your uploads it would have helped to estimate when you would possibly have to submit a statement in  response.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Dates cant link or identify a User/Claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I shall know that for future reference. Thank you.  So, this notice was 26th July. It tells me to wait to hear from Romford County Court, is that what I do?

 

Edited by dx100uk
unnecessary previous post quote removed

Nurselayer v Natwest - Settled in Full :D

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Afraid so.....the court will inform you of the hearing date and you will be allowed to submit a statement in response to oppose/object with reason to their application.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 4 weeks later...

Or ring your local County Court and enquire?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 5 months later...

Open 

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi all,

So, I've got a date for the court hearing. It's in April so I've got a little time to put my case together but I could really do with your expert help. 

What do I need to do?

Do I need to file a defence? 
What should I say at court? 

All your help would be hugely appreciated.

Nurselayer v Natwest - Settled in Full :D

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On 16/08/2022 at 16:51, Andyorch said:

Afraid so.....the court will inform you of the hearing date and you will be allowed to submit a statement in response to oppose/object with reason to their application.

you filed your defence months and months ago

pers i'd simply send the same again.

On 07/04/2021 at 16:33, Nurselayer said:

I sent Erudio a postal order for £1 on 27th January 2020 in regard to my CCA request.

they used your cca request £1 po to make payments to the accounts.

not on

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I agree that them using the CCA payment is not on,

 

however they don't mention that in the court papers,

they mention BMW Financial Services v Hart and Doyle v PRA.

 

They've also submitted a "reconstituted notice of assignment".

 

To be clear, I never, ever received any notice of assignment and I don't believe they sent it....which is why they've had to reconstitute (or in layman's terms make it up) one.

 

Also, I don't think I submitted any defence to the N244 at the time as I seem to recall the advice on here to be to wait until I received the court papers.

 

Do I need to submit a defence now?

 

Nurselayer v Natwest - Settled in Full :D

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